Every claim filed is duly recorded by your insurer and is one of the factors to determin renewal premium, except knock-for-knock where you have no fault.

patpat (乃胡侃而已)
To cover loss or damage to your automobile against perils including malicious damage like scratching as you mentioned, you have the options as All Risks, Comprehensive, and Comprehensive plus Collision or Upset. Theroietically, you may also have Named Perils as another option. Although coverage is not so broad as all above, I don't think it's going to be a geat deal of cheaper in terms of price.

2002-2-12 -04:00

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